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SINGAPORE: The cash premium, or Cash-Over-Valuation (COV), for Housing and Development Board (HDB) resale flats has reached a four-year low.

According to the Singapore Real Estate Exchange (SRX) monthly flash report, overall COV dropped to S$18,000 in August, the lowest level since July 2009.

For the first time since 2006, SRX said HDB resale flat prices have fallen for the fourth straight month. Overall HDB resale prices slipped 0.7 per cent in August.

This can be partly attributed to the decline of cash premiums being paid for HDB resale flats.

The overall COV was S$20,000 in July. This fell by S$2,000 or 10 per cent to reach S$18,000 in August.

Some property analysts attributed this to the ramped up supply of new flats being launched by the HDB and the introduction of various loan restrictions like the Total Debt Servicing Ratio which was announced in June where only 60 per cent of one’s income can go towards servicing a loan.

International Property Advisor’s chief executive officer, Ku Swee Yong, said: “The downward trend of COVs is partly influenced by the new measures at the end of June called the Total Debt Service Ratio (TDSR).

“Many home buyers find that they are unable to borrow as much as expected, so it has affected the larger size resale HDBs a little bit more than the three-room and four-room HDB (flats).

“In fact, more young couples are probably shifting their sights down one notch — instead of stretching themselves for a five-room resale or an executive resale, they’re going after a four-room HDB.”

According to SRX, executive flats in Punggol registered the lowest median COV of negative S$13,000, which means they are sold at S$13,000 below valuation.

Out of three transactions recorded, two were sold below valuation.

On the flip side, executive flats in Bishan saw the highest premium. The median COV was S$120,000.

Nicholas Mak, executive director of research and consultancy at SLP International Property Consultants, said: “There has been a huge supply of BTO flats offered in the Punggol area in the last two to three years.

“Because of that, it has drawn away potential buyers from the resale market to the BTO market. The BTO flats are all priced lower than the resale flat prices.

“While in Bishan area, it’s still quite a popular area… there are a few very popular primary and secondary schools in the area. Furthermore, there is a very thin supply of new flats. As a result, it’s still a seller’s market in that town.”

With tighter loan measures and home buyers being more cash strapped as a result, property analysts expect COVs to continue to trend downwards. They also expect more HDB resale flats to be sold without a cash premium, or at below valuation.

This is already starting to show. Zero-COV transactions made up just one per cent of all HDB resale transactions in January. This went up to 5.3 per cent in August.

As for resale transaction volume, flash estimates showed that while the numbers remained roughly the same in July (1,286) and August (1,280), this was a 29 per cent drop year-on-year.

Property analysts said this is likely due to more home owners choosing to rent out their HDB flats.

An increasing number of potential home buyers who need fast cash to close a deal or end a bidding war are turning to margin loans for short-term financing.

Ameriprise Financial Inc. /quotes/zigman/388427/quotes/nls/amp AMP +1.99% for example, has issued margin loans to clients pursuing a home with multiple offers, an increasingly common occurrence in high-price California residential markets where demand outstrips supply. “A person with easy access to cash may have a leg up over someone who has to have long-term financing,” said Tucker Watkins, a private wealth adviser with the wealth-management company based in Irvine, Calif.

Half of U.S. workers are retirement have-nots

Half of American workers don’t participate in savings plans for retirement at work often because the places where they work don’t offer savings plans.

Margin loans are backed by a borrower’s investments. Typically, brokerage firms permit loan amounts of up to 50% of the portfolio’s value at the time the loan is originated. The money can be used for almost anything, including bridge financing—when a buyer needs money to close on a new home when the current home hasn’t been sold yet.

Spurred by a bull market in early 2013, investors embraced margin loans with a passion, driving margin debt to $384.3 billion in New York Stock Exchange member firms in April, according exchange data. The previous record of $381.4 billion in margin debt was set in July 2007, just before the market downturn.

“We’ve had a major rise in equity [portfolio] values, much more than real estate, other assets and people’s salaries,” said Bruce McCain, chief investment strategist at Key Private Bank in Cleveland. “It’s not surprising people are tapping into it as a source of cash.”

Such clients typically will use the margin loan as a short-term strategy and then apply for a jumbo mortgage or other financing after the home purchase closes, Watkins said. That reduces the risk of a margin call, a demand by the broker to immediately repay the loan when the portfolio’s market value falls.

Margin loans can have some pricing advantages over mortgages and other more traditional loans. Borrowers pay no closing costs, no property appraisal is required and there are no prepayment penalties. Borrowers don’t even have to make monthly interest payments, though interest will then accrue on the unpaid interest, raising the borrower’s liability over time, said Randy Carver, an investment adviser with Carver Financial Services Inc. in Mentor, Ohio.

Interest rates for margin loans can vary widely. For example, Interactive Brokers Group /quotes/zigman/104045/quotes/nls/ibkr IBKR +0.25% extended more than $10 billion in margin loans at an average rate of 1.14% in the first quarter of 2013. As at many brokerages, rates decrease as the borrowed amount increases. Charles Schwab /quotes/zigman/240465/quotes/nls/schw SCHW -0.05% charges 8% in interest for the first $25,000 to $49,999 of the loan, 6.75% from $250,000 to $999,999, and 6% for amounts more than $2 million.

By comparison, the average interest rate for a 30-year, fixed-rate jumbo was 4.23%, and a five-year, adjustable-rate mortgage had a 2.81% rate on June 14, according to the Mortgage Bankers Association.

Margin loans also may have tax benefits. If a home buyer cashes out stocks for a cash down payment on a house, he may have to pay capital-gains taxes. Interest on a margin loan generally is tax deductible. “Avoiding capital gains is often a reason why someone may use a margin loan instead of selling a security,” Watkins said.

There is a downside. Brokers have what is called a maintenance margin. If the portfolio’s value drops below this threshold, the borrower may be subject to a margin call. In that case, a borrower must immediately deposit cash to bring their securities back to the maintenance margin percentage. Otherwise the brokerage firm will sell assets to bring the portfolio back in line.

“Using short-term financing to fund long-term purchases is one of the riskiest things to do, particularly when markets are as turbulent as they have been in recent weeks,” McCain said.

Some more considerations:

Don’t borrow up to margin limits. Ameriprise advises not to borrow more than 30% of the value of their securities to reduce the risk of a margin call, Watkins said.

Borrowers still have to qualify. Brokerages typically run a credit check and ask borrowers to fill out a questionnaire that includes their income, net worth and other monthly debt payments.

Check broker commissions. While margin loans don’t have closing costs, brokerage firms do charge fees and commissions, such as $9.99 per 100 shares at TD Ameritrade /quotes/zigman/9766366/quotes/nls/amtd AMTD +0.97% if shares are sold to maintain the required equity in the account.

PARIS, Ill., Nov. 2, 2012 /PRNewswire/ — First BancTrust Corporation (the “Company”) (FIRT), today reported a 2012 third quarter net income available to common shareholders of $828,257or 39 cents per diluted share, compared with $976,002 or 46 cents per diluted share, for the same period in the prior year. The Company’s net income in the third quarter was impacted by reduced levels of net interest income which was partially offset by reductions in the provision for loan losses. The higher level of net income for the third quarter of 2011 was positively impacted by a one-time gain on sales of securities of $126,495. Year to date net income available to common shareholders was $2.34 million compared to $2.46 million for the same period in the prior year.

Net Interest Income Net interest income for the third quarter of 2012 decreased 9.91 percent, or $377,901, to $3.43 million compared with $3.81 million for the third quarter of the prior year. Although interest expense for the quarter was $271,018 less than the third quarter of 2011, interest income was $648,919 less than the same time period of the previous year. Both interest income and interest expense were affected by the lower interest rate environment.

Noninterest Income, Expense Third quarter 2012 noninterest income was $1.34 million which was essentially the same amount for the same period a year ago. This historically high number is primarily a result of increases in net gains on loan sales and other service charges as a result of elevated levels of activity in the residential mortgage secondary market, as well as increases in earnings from the Company’s title company subsidiary. The low rate environment continues to be conducive to elevated year over year levels of income from net gains on mortgage loan sales amounting to an increase of $88,775 quarter over quarter and $328,411 year to date. Increases in title company activities resulted in a $27,387 increase in revenue from the same period last year and $128,879 year to date.

Noninterest expense for the third quarter of 2012 increased $135,398 or 4.93% to $2.88 million from $2.75 million during the same quarter last year.

Assets, Loans, Deposits Total assets at September 30, 2012, were $392.72 million compared with $392.84 million at December 31, 2011, a decrease of $121,170 or .03 percent. During the same period, loans net of allowance for loan losses, decreased by $1.65 million to $285.10 million from the 2011 year end level of $286.75 million. Deposits increased by $6.25 million or 2.09 percent to $305.69 million compared with $299.45 million at year-end 2011.

TARP Redemption and Quarterly Dividend On October 24, 2012, the Company finalized the repurchase of 3,675 shares of preferred Series A stock and 368 shares of preferred Series B stock to complete its exit from the Treasury’s TARP Capital Purchase Program. The aggregate purchase price for the shares was $4.09 million and was funded by a combination of earnings and short term borrowings which were secured at a lesser rate than was being paid as part of the TARP program.

The Board of Directors declared a quarterly cash dividend of one cent per common share, payable December 14, 2012 to stockholders of record at the close of business on December 3, 2012.

About First BancTrust Corporation

First BancTrust Corporation is a holding company that owns all of the capital stock of First Bank & Trust, S. B., an Illinois-chartered savings bank that conducts business from its main office located in Paris, Illinois, and branch banks in Marshall, Savoy, Rantoul, Champaign, and Martinsville, Illinois. On September 30, 2012, the Company had $392.72 million of total assets, $353.87 million of total liabilities and $38.85 million of stockholders’ equity. First Bank & Trust, S. B. remains a well capitalized bank with a Tangible Ratio of 10.49, Tier 1 Ratio of 10.41 percent, a Tier 1 Risk-Based Ratio of 14.00 percent, and a Total Risk Based Ratio of 15.26 percent.

Footnote:

This earnings report may contain certain forward-looking statements which are based on management’s current expectations regarding economic, legislative, and regulatory issues that may impact the Company’s earnings in future periods. Factors that could cause future results to vary materially from current management expectations include, but are not limited to, general economic conditions, changes in interest rates, deposit flows, real estate values, and competition, changes in accounting principles, policies, or guidelines, changes in legislation or regulation, and other economic, competitive, governmental, regulatory, and technological factors affecting the Company’s operations, pricing, products, and services. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Further information concerning the Company and its business, including additional factors that could materially affect the company’s financial results is available at www.firstbanktrust.com or by faxing a request for a copy of our latest press release to (217) 465-0285. First BancTrust Corporation stock is traded Over-the-Counter (OTCQB). Investors can view First BancTrust Corporation’s security quotes and profile on www.otcmarkets.com under ticker symbol “FIRT”.